Here's what you'll on this week's episode:

1. Is it time to refinance
2. Are you consolidating debt or is it a rate term only
3. What makes sense cost wise and what drop in rate do you need
4. What time frame to recuperate your costs 
5. How long do you plan on staying in the home
6. Are there more drops in rates ahead
7. How does that affect buying?
8. Wjhat is this telling us when the rates are dropping?
9. What do you need to do?

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